Granted, you also tried this with the “the judge is also a black woman” bit, because you like the racism
Lawyer, former distiller & underwriter, bit of a crank
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Granted, you also tried this with the “the judge is also a black woman” bit, because you like the racism
Seriously, your journalist thinks he’s very smart to say “but she’s black, she must be dumb”
Even your side just assumes the dean overrode. But you’re such a joke you don’t understand that, just like you couldn’t even understand the claim about the third property. You can’t grasp things that aren’t spelled out in little words
So not a fraud at all I think law matters, you think party matters. You’re incredibly dumb
Ok, found the stupid “journalist”. The new fraud is that she…well, nothing, the fake journalist just assumes some things and even then can’t come up with even a fabricated claim of fraud You’re truly an idiot who will believe anything.
Yeah, it’s the same here. In fact, it’s a lot like what’s described at that link Maybe sit this one out
Huh?
Seems like Australia might be socialist after all www.mpamag.com/au/mortgage-...
Here in the socialist US you have to comply with the terms of the loan. I guess things are different in penal colonies
Which law do you mean? I’m referencing representations on an application and mortgage guidelines, because that’s what is relevant here. The answer is ‘yes’, there are instances where guidelines permit it Wait, do you know what guidelines are?
Huh? Do you not know what a contract is?
read that as "white people"
he deserves a special place when all this is done
the issue is that, hours later, the kids were still on the planes
actually impressive given how casual ensign has been with the truth
usually when people say this to me they're mad, glad it finally happened for an amusing reason also, I almost started my reply with "shit..."
Let Ensign have a cell until the gov complies
I'm not sure how it's about my convenience, though. Maybe they don't know how someone else losing it feeds some of us?
no, they are right about that one bsky.app/profile/cbow...
you should slow down a wee bit
"So they just randomly pulled her records?" not at all. just the opposite "You sound like MAGA." yes, MAGA is famously interested in facts "to take this lady’s livelihood over some bs" I oppose that. I think firing her is illegal "Have the day you deserve" have the day you don't
nah
sorry, but if you think that people can only discuss things that are the hill they are going to die on I advise you to log off
she was already under contract for the purchase when she closed the refinance. there's no indication she moved into the GA property, and her work was in MI
someone will, anyway. not us
not making the payment isn't the only form of default - violating the occupancy clause is also breach
Either way, I just took a shit in it
Chief: let it burn Fire fighter: sir, we were called out for a medical emergency, the house isn't on fire Chief:well?
can a roof beam that has repeatedly taken the force of a human rappelling sustain the force of a house standing?
*try to get a permit for a new water heater, get hit with $5000 in fines and a list of 150 items that need to be fixed*
If they show one page of a recorded document and I pull the full document it's precisely because I presume they are *not* credible If I review standard forms to remind myself of the language, it's because I don't think they are credible When I review fnma guidelines...
the public records definitely do exist, I've pulled some of them directly. I don't know how that can possibly count as a presumption of credibility part of the exercise is knowing what will count as proper/sufficient evidence
1- the evidence provided so far is public records. I've personally pulled some of it directly from the relevant recorders, people I trust have pulled other parts to it 2- it's a good thing I haven't said that
appointed about 6 months later, confirmed nearly a year after there are guidelines that can make it not fraud even if she did apply for both as primary
innocent until proven guilty, and even if proven guilty these assholes are completely corrupt
but I think pointing out that there *are* valid ways the evidence we've seen can be acceptable is ok, if for no other reason to point out that what they've offered *isn't* conclusive
eh, I'm a little mixed. I'm against all the people saying either "she's clearly guilty" or "it's ok because X"(the latter often effectively claiming she committed a felony)
there still is a question about what the facts are, even if it's merely an academic exercise bc the admin won't deal in facts and Cook absolutely should not show her cards at this point
it's entirely possible that she was singled out because of race/gender! and it's possible that the admin has violated privacy laws! and the admin is absolutely trampling all over due process! but...
they'd have seen both the initial inquiry and the new account on the pre-closing soft pull, so I can't see how they'd be completely unaware. it's an interesting exercise to figure out how this could have made it through without seeing the full details of the applications
I think facts and the rule of law matter even if Trump doesn't 🤷♂️
two different lenders. in theory the normal checks still make the situation obvious to the underwriters, but it's definitely more complicated than someone relocating for work after some amount of time
oh, sorry, I didn't stress enough that in the article the claim is truly incoherent
I get your point, but drawing the lines there is wacky AF
No company is taking homes off the market. They’re taking advantage of corporate appeasers like you who do everything to drive up the corporate profit. You’re even better than someone acting deliberately to promote the corps because they don’t have to pay you a dime to shill for them
The companies openly say one of the reasons it’s profitable is because supply is constrained. You’re literally arguing on behalf of the large companies and against individuals dealing with a housing shortage
there are some potential tax issues as well, but so far as I can tell that mostly relates to property tax matters so it's very local/state law specific
no, the fraud claim is about the mortgage applications. the law determines when misrepresentation matters, but it's the facts of the claims made on the application that determine whether there was misrepresentation
I always wonder what they think is wrong with him breaking the law if law doesn't matter
at absolute minimum it would give the lender on the MI property the right to immediately call the note
If the intent was occupy GA then the answer about intending to occupy MI was knowing misrepresentation
Rule of law is apparently when people are deemed guilty without due process
This is absolute trash. Megan clearly loathes the rule of law
if only more people...
the reporting on this whole thing sucks major ass assuming even barely competent underwriting there would have been questions about claiming the purchase as primary. it doesn't really matter what she knew at the point of initial application, there would need to be answers to satisfy the lender
regarding rates: to some extent there is less risk to primary vs second homes. Think of it in the general sense of what most second homes are like and choices that people will make - if money gets tight do you stop making payments on the family home or the cabin?
The first issue is going to be situation specific, but something like voter registration is one possible factor that would be considered. What address is on your DL? What about your paystubs/W2? What location does your employer think of as your main office?
the referral letter has dates and it is easy enough to find the basic information. Cook closed the refinance while she was already under contract for the purchase
no law, but depending on the timeline you may end up in default on the first one
stooooooop. she was already under contract to purchase the GA home when her MI refinance closed. There's every reason to believe that she continued living in MI.
the two applications were under process at the same time
if there were two mortgage applications in process at the same time marked as primary there is at least room for serious questions
For conforming mortgages there is no difference between principal and primary. The guidelines explicitly state that principal is primary
Shit you’re dense
He supposedly made 6 digits working fast food in the 90s, could only make $48k during Trump I, and is now unemployable. What’s not to believe?
I’m finally blocked, one of you dorks should pick up the questions about Cook
Little bitch finally blocked me
Trump is deeply racist and deeply supportive of anti LGBTQ efforts
What measure would you like to consider? Or is this just the thing where you treat the fact that nobody wants to work with you as a sign of the whole economy?
Lots of people worried about both, wtf are you talking about?
Since looking up data is too difficult for you, I made a graph. The current rate is 4.2, btw
And I love that you cry about Dems mentioning racism/homophobia while you support the racist homophobe. You’re a dullard
The economy did not collapse over the past decade. It got hammered by Covid, but it was recovering well. You idiots try to pretend that something that started before Biden was Biden’s fault. Sorry, linear time is a thing
No, it isn’t you ignorant shit. Despite what Fox told you the economy has been going well, though Trump is trying to end that Sorry that you’re unemployable, but that isn’t anyone else’s fault
Still, you tell me I must accept your account if it even though I know more than you about the topic. You’re a petulant ass who gets pissed that other people question shit you heard from Fox News.
You absolutely did, son
I don’t often call people fascists, but with your support of a command economy and your celebration of lawless punishment of dissenters I think I’ll make an exception in your case
I mean fascism in a very specific way. I’ll happily answer questions about it You accused Cook of a crime but get pissed that I ask you questions about it. You’re ignorant but want to pretend you know more than others
It’s what right wing media told him and he refuses to question what he’s told
Again, not my party. But the record at the national level is very clear - they don’t support socialism, and especially nothing like South American socialism. Your guy, on the other hand, supports Soviet style policies
So I take it you’re just going to stick with baseless smears Makes sense, your hero does the same
lolwut
Generous social benefits beat a combo of mercantilism and fascism, imho
Not my party, but that’s not what Dems support Meanwhile, you support a guy pushing for a command economy / govt control of the means of production
We didn’t get the first To the rest: post hoc, etc
Why be glad for an incorrect explanation?
Lucky
Honey
No
Hey, are you going to answer a question relevant to the accusations you’ve made? Or just stick to smearing a respected economist out of pure ignorance? bsky.app/profile/cbow...
By having basic understanding of economics? If I go to the store and buy something I don’t say they sucked money out, I understand that I gave them money for the thing that I wanted. Why do you hate that people can buy things?
Seriously, fuck actual facts - you’ve got anecdote
Uhhhhh
If you know that she committed this fraud it should be easy to answer this simple question
I suppose that’s better For developed economies they’re often good because they signal wealth and a robust relationship with the global economy
Trade deficits are good and have nothing to do with federal debt
There were three whole months where it was lower. 0.8% of the decade